Upgrade to East Cambridge Checking

East Cambridge Checking delivers on our unique promise that you can confidently choose to bank local without sacrificing any conveniences or accessibility. That's because with East Cambridge Checking, you'll enjoy the combination of always-on digital platforms, the global purchasing power of Mastercard, and unlimited ATM fee reimbursements at every ATM in the United States.

So why just one type of personal checking?
We were genuinely inspired by the innovation happening all around us in East Cambridge and thought, “what would be the best version of what we do?” Acting upon our answer to this basic question, we did something fairly radical but at the same time, far too obvious: simplifying to one account which has every feature without any monthly fees or requirements.

And that's the underlying power of being a mutual bank: giving our all to the communities we serve without requiring something in return.

No Monthly Maintenance Charges

Even though this is a premium financial product, there are no monthly maintenance charges, minimum balance requirements, or activity mandates. Just a great account from a great local bank.

Pays Interest on Every Dollar

We believe you deserve to be paid interest on the money you have deposited with us. As our flagship product, your deposits in an East Cambridge Checking account are no different.

Every ATM in the U.S. is Yours

It's your money, not ours. Therefore, if you need cash, just use the closest ATM and we'll pay you back whatever fee the machine charges you. Automatically. In full. Every time.

International Buying Power of MasterCard

Wherever MasterCard is accepted for purchases, so is your East Cambridge Debit Card. Please know that you can get a new or replacement debit card instantly in any of our ten banking centers.

East Cambridge Digital Banking

Modern, intuitive, and designed for a digital-first world; with East Cambridge Mobile and Online you can easily transfer money, deposit checks, create custom alerts, control your debit card, view balances, and pay bills.

Personal Financial Management

A digital hub for all your finances, use this powerful tool to efficiently budget and manage your personal as well as household finances across every relationship: banks, credit cards, student loans, mortgages, investment platforms, and retirement accounts.

Upgrade to Local

  • Unlimited ATM surcharge reimbursements
  • Pays interest on every dollar
  • No minimum balance
  • no monthly maintenance charges